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Flood Figures

ZIP 33309 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 3,669 NFIP flood insurance policies are in force in ZIP 33309 (Fort Lauderdale, FL), with 1,185 flood claims recorded since 1978.

Policies & premiums

Policies in force
3,669
Median annual premium
$856
premium only
Median annual cost
$1,107
premium + fees & surcharges
Mean annual premium
$1,132
premium only
Policies in SFHA zones
83.7%
zones A, AE, AH, AO, V, VE
Building coverage in force
$848,618,600
Contents coverage in force
$167,477,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 33309 by rated flood zone
Policies Share Share bar
AE 2,150 58.6%
AH 990 27.0%
X 506 13.8%
AHB 22 0.6%
A 1 0.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 33309 by occupancy type
Policies Share Share bar
Single-family homes 1,890 51.5%
Multi-unit buildings 1,186 32.3%
Non-residential buildings 488 13.3%
Units in multi-unit buildings 105 2.9%

Claims history since 1978

Claims since 1978
1,185
Total paid
$6,313,472
Paid on buildings
$4,372,930
Paid on contents
$1,940,542
NFIP claims filed per year in ZIP 33309, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 100 $28,865
1980 1 $0
1981 18 $4,571
1982 1 $0
1983 3 $801
1984 1 $0
1985 2 $0
1986 12 $100,626
1988 4 $0
1989 2 $0
1990 1 $470
1991 8 $16,541
1992 36 $216,280
1993 3 $39
1994 47 $29,160
1995 6 $30,536
1996 11 $164,581
1997 5 $1,311
1998 10 $8,494
1999 233 $743,614
2000 9 $6,134
2001 23 $175,633
2002 45 $524,491
2003 33 $138,085
2004 74 $77,876
2005 166 $607,777
2006 5 $0
2007 10 $0
2008 11 $11,463
2009 9 $0
2010 6 $3,102
2011 40 $802,019
2012 52 $156,922
2013 7 $0
2014 8 $3,581
2015 4 $1,001
2016 5 $74
2017 67 $464,838
2019 3 $3,894
2020 63 $995,556
2021 1 $0
2022 2 $0
2023 35 $980,946
2024 2 $14,189
2025 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2020 63 $995,556
2023 35 $980,946
2011 40 $802,019

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